Search found 483 matches

by segfault
Sat Apr 20, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 35
Views: 1437

Re: Apple MacBook Air - what to do next.

That was the case for old computers, really old computers. Doesn't apply anymore. Keep it plugged in to prolong battery life and lifespan. https://www.apple.com/batteries/maximizing-performance/ Yup. Really old laptops (and other portable electronics, power tools, etc.) used NiCad batteries, and th...
by segfault
Sat Apr 20, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1333

Re: OnStar Plans: Are they worth the cost?

I have it on my truck. The automatic crash notification is a valuable feature (but I also own another non-GM car that doesn't have Onstar or any other connectivity service, and don't lose sleep over it). I really like the monthly emailed diagnostic reports, which will remind you of the remaining oil...
by segfault
Sat Apr 20, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 61
Views: 3314

Re: Washing Machine that uses a LOT of Water

I have a Samsung front loader and don't have the complaints a lot of people seem to be having, but it's rare that my clothes get super dirty. Maybe try a used appliance store?
by segfault
Sat Apr 20, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 35
Views: 1437

Re: Apple MacBook Air - what to do next.

Maybe buy a spare power adapter if that would make it easier to keep plugged in more often. Deep discharges are bad, but IMO, the absolute worst thing you can do is to drain the battery to 0 and let it sit for a long period of time before recharging. There is an app called coconutBattery that will s...
by segfault
Sat Mar 16, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Funding emergency home repair
Replies: 28
Views: 1752

Re: Funding emergency home repair

Emergency fund or HELOC. You can probably find a local bank that will write a HELOC at 100% LTV.
by segfault
Mon Feb 25, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3474

Re: Personal Liability Umbrella Policy question & "tuning"

I would go for the $2 million. I'm actually that rare person that had my $1 million umbrella policy pay out to the max and it wasn't an extreme circumstance at all. My wife barely sideswiped a pedestrian who was getting out of their car into a lane of traffic on a blind corner. The pedestrian ended...
by segfault
Mon Feb 25, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3474

Re: Personal Liability Umbrella Policy question & "tuning"

The limit on an Umbrella Policy (very importantly, in my opinion) drives how much the insurance company will spend on attorney/legal fees to fight a lawsuit. In a way, yes. If the limit is low and the cost of defense is extremely high, they may be more apt to pay out policy limits and get a release...
by segfault
Wed Feb 20, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1726

Re: purchasing new furnace tips

Buy whatever brand furnace the best installer sells. I’d recommend a 95% effecient one. Do the asbestos mitigation sooner rather than later—it shouldn’t be that expensive and will make the house easier to sell when the time comes.
by segfault
Wed Feb 20, 2019 6:49 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 3200

Re: Do you discuss BH philosophy with others?

I’ve explained to a coworker on a couple of occasions that I use mostly target date funds and their response is always “well, you’re young.” Obviously, when I get old, I need to bet the farm on one or two individual stocks!
by segfault
Wed Feb 13, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Car rental drop-off fees
Replies: 18
Views: 1784

Re: Car rental drop-off fees

Compare prices from different rental car companies with various discounts/coupon codes using autoslash.com. This. This summer, I used Autoslash to rent a Jeep Cherokee in Salt Lake City and dropped it off in Las Vegas, and it was one of the cheapest rentals I've ever had. Leather seats, too! :wink:
by segfault
Wed Feb 13, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Mags for Miles Auto Renewal
Replies: 10
Views: 905

Re: Mags for Miles Auto Renewal

In theory, they could be able to auto renew you, and send the delinquent account to collections if your card is declined. I think this is what SiriusXM does.
by segfault
Sun Feb 10, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 3863

Re: Satellite radio pricing ridiculousness

My willingness to pay for satellite radio greatly diminished during the free trial. I had no idea they had commercials! I am not willing to pay for them shoving crap over the airwaves. If they got rid of ads perhaps I would consider. IIRC, only a few channels have commercials - it was part of their...
by segfault
Sun Feb 10, 2019 6:07 pm
Forum: Personal Investments
Topic: Windfall advice
Replies: 8
Views: 895

Re: Windfall advice

We both have teacher retirement from a previous state with about $15,000 each. We plan to roll these over into Roth IRA or Traditional IRAs?? Hold that thought. Would you receive an additional monthly pension at retirement age if you just let that sit? Or can you use it to purchase months of servic...
by segfault
Sat Feb 09, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 3863

Re: Satellite radio pricing ridiculousness

I use Billfixers, but they charge 50% of the savings they are able to negotiate. I used to have a perpetual "XM Basic" plan that was like $6 plus tax, but I didn't like it because it didn't include the Frank Sinatra channel.
by segfault
Thu Feb 07, 2019 10:59 pm
Forum: Personal Investments
Topic: What’s the Best HSA out there?
Replies: 15
Views: 1407

Re: What’s the Best HSA out there?

The Optum HSA I have through my employer charges $1/month maintenance fee, minimum $2,000 in the savings account, and offers Schwab target date funds on the investment side, with no asset fee. I moved all of my old HSAs there.
by segfault
Thu Feb 07, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9666

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Dog walker or someone in the neighborhood who is retired / works from home. I'd possibly consider a doggie door, depending on your dog's temperament - what would happen, for instance, if someone accidentally left the gate open? I couldn't take that risk with my dog, as she is extremely dog reactive,...
by segfault
Thu Feb 07, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3560

Re: Auto Battery Prices

No installation = no deal. My truck is labeled "difficult - 45 minute installation," so I took it to Autozone because they offer free installation. Bought a premium AGM battery for about $200, and the employee complained very vocally about the time it took to install. Note, once I realized the batte...
by segfault
Sat Jan 26, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1793

Re: Wills- Options other than family/charities?

I was talking to Vanguard about this recently in regards to Inherited IRAs. One place you CAN'T leave your tax-deferred accounts to is foreign charities that are not recognized by the IRS (ie, have an EIN or other identifying number). [This came up for me because I have a relative who wants to leav...
by segfault
Fri Jan 25, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9437

Re: Need Advice - quit 6-figure job to do coding school?

Do not quit a $250k job! Learn coding on your own time (or even during your downtime at work), or get a part time master’s degree. I’d stay at the current job until you have been consistently unhappy there for 6-12 months. Sometimes things do get better.
by segfault
Thu Jan 24, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance check issued, cashed then cancelled?
Replies: 14
Views: 929

Re: Auto insurance check issued, cashed then cancelled?

I'd also file a formal with my state insurance dept. Might as well include the state banking dept as well. Stopping payment on a check three weeks after issuance should not be allowed under normal circumstances. This. I’ve never heard of such thing happening. If you issue a check, you’re on the hoo...
by segfault
Thu Jan 24, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 5669

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

I don’t have kids, so not super qualified to comment, but what about training the kid to be resilient and endure the cold during the unfavorable months?
by segfault
Sat Jan 19, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Looking to buy 2004 BMW - with steptronic
Replies: 6
Views: 560

Re: Looking to buy 2004 BMW - with steptronic

IMO, most 2004 BMWs are nearing the end of their natural life expectancy. The cooling systems on that model year tend to have significant issues, and I know thrust arm bushings were an issue on the 5-series, but not sure if the 3-series shared the same issues.
by segfault
Sat Jan 19, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1793

Re: Wills- Options other than family/charities?

You can leave your estate outright or in trust to just about any person or entity, perhaps excluding bequests for illegal purposes or those against public policy. Gill I think OP knows this, but is brainstorming ideas insofar as whom those persons or entities might be. This is a question I've ponde...
by segfault
Thu Dec 20, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: London Neighborhood Recommendation
Replies: 37
Views: 2557

Re: London Neighborhood Recommendation

I stayed at the Nadler Victoria (in the Victoria neighborhood) this year and found it to be ideal.
by segfault
Sun Dec 16, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5267

Re: How much do you pay for internet only?

$45/month for "Standard Internet" through Charter Spectrum. I think it's sold as 60 megabits down, 5 megabits up, but I regularly test at 70/6. I think new subscribers get 200 megabits in most markets, not sure of the price, though. Old subscribers near me have seen price increases to $70 per month....
by segfault
Sun Dec 16, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot - Improving Traction
Replies: 23
Views: 1717

Re: Honda Pilot - Improving Traction

Buy four new tires. If your Pilot doesn't have vehicle stability control, consider trading for a newer model which does. Replace them when you start having the same issue, and consider replacing if they're over six years old, regardless of tread depth. The tires on my RWD Infiniti have about 5/32" o...
by segfault
Thu Dec 13, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5517

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

I'm not sure what constitutes a regular roll, but I'm extremely annoyed that the width of pretty much all brands of TP decreased during the 2008 recession. They used to be around 4.5" wide and now all of them seem to be 4". I have the newer "hook" style TP holder and have never had an issue using th...
by segfault
Thu Dec 06, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6338

Re: Advice on Divorce Settlement Options

Sorry you are going through this. For the reference of those who are reading who may not be married yet, in my state, I think the "standard" prenups say that both spouses waive alimony and maintenance, and agree to keep separate assets, and that any assets that are titled jointly are divided 50/50. ...
by segfault
Thu Dec 06, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: DW has 39 credits of SS. Easiest way to get 40?
Replies: 15
Views: 3070

Re: DW has 39 credits of SS. Easiest way to get 40?

Can she legitimately work as a "consultant" doing something for someone and just pay both the employee/employer side of the SS/Medicare taxes?
by segfault
Thu Dec 06, 2018 9:50 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12190

Re: 20M Inheritance - What is best option for small/no risk on principal?

The local bank I called for CDARS that was in network just wanted to sell us on everything else but what we asked for and free lunch (this would have been a great trick when we needed the free lunch for sure) Nothing to add here, but just wanted to say you gave me a much needed laugh when you said ...
by segfault
Thu Dec 06, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 10364

Re: Mitsubishi ductless heating/cooling unit

I've heard of using miniature condensation pumps in mini-splits, if the drain has to go "uphill" before going outside. If it doesn't, I think most just gravity drain.
by segfault
Thu Nov 15, 2018 7:45 pm
Forum: Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5433

Re: Oops! Edward Jones tops Vanguard in customer survey

Meh. I personally know and like my local EJ rep, but don’t use them for investments. They’re (rightfully) very well respected in the community and very intelligent. I don’t need the hand holding. The only significant interaction I’ve had with Vanguard’s customer service was when I was transitioning ...
by segfault
Sat Nov 03, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1296

Re: Where to stay to visit Yosemite

Stayed in an Airbnb in Mariposa last year, and it was great. The commute into the park wasn't bad.
by segfault
Sat Nov 03, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3709

Re: How much does a car need to be driven?

OP has said a battery maintainer won't work in the parking garage where he lives. It ultimately depends on the parasitic load of your particular vehicle and the condition and state of charge of its battery, but driving for fifteen minutes seems a little short. I'd suggest driving it for at least hal...
by segfault
Mon Oct 29, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1602

Re: DIY air purifier for $25

Many years ago, I recall seeing a box fan with a slot on the rear to hold such a filter, but I haven't seen them in a long time.
by segfault
Mon Oct 29, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3709

Re: How much does a car need to be driven?

+1 for the battery maintainer. I have two cars and often leave one of them for a week or more at a time without driving it. Never had an issue with a dead battery while using the maintainer. With that being said, I use a Battery Tender and have had several of them fail under warranty. One time, a ca...
by segfault
Fri Oct 12, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3899

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

If in an area with harsh winters: You are more likely to get stuck with FWD. You are more likely to crash without snow tires. Pick your poisons. My daily has all terrain tires and 4wd and I never had to turn the 4wd on last winter (but did turn it on to make sure it was functional). Snow tires will ...
by segfault
Fri Oct 12, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 5302

Re: Is it worth filing FAFSA even if you know you'll get nothing?

At my undergrad, you were not eligible for work study jobs unless you had completed a FAFSA. Those jobs weren’t need based, but you still had to complete the form.
by segfault
Sat Jul 28, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan payback credit score verse interest
Replies: 8
Views: 756

Re: Auto loan payback credit score verse interest

Good advice here. PenFed used to allow this type of prepayment--if you paid extra, you were considered X number of months ahead on your loan, and could skip payments entirely until the next due date, even if it were two years later. Most banks and credit unions don't do that!
by segfault
Sat Jul 28, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: How should I be paying off my auto loan quickly?
Replies: 7
Views: 1031

Re: How should I be paying off my auto loan quickly?

A couple of things you might want to consider with paying off the loan early. Most lenders require payments at least every X number of days. So if your payment is $100/month, you usually can't pay $1,200 and then not make any payments for a year. Penfed used to allow additional payments to delay you...
by segfault
Sat Jul 14, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Catch up on retirement or pay mortgage faster?
Replies: 4
Views: 699

Re: Catch up on retirement or pay mortgage faster?

This sounds to me like a perfect case for agreeing to keep some finances separate after marriage. If you want to make goals and set up accounts to accumulate joint assets going forward using your earned income, I think that could also make sense.
by segfault
Mon Jul 09, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7635

Re: Walking Coast-to-Coast

I don’t know the OP from Adam, and this has nothing to do with my investments, but reading about this accomplishment put a much-needed smile on my face. Good on you!
by segfault
Mon Jul 09, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3118

Re: Rodents ate my car, and my insurance is ripping me off!

Are they depreciating labor? Materials may depreciate, but labor does not.
by segfault
Wed Jul 04, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 1096

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

People rave about Keen sandals. I have a pair and they have elastic straps with a catch that pulls them tight. My feet are narrow and I've found the Keens to be extremely wide to the point that I sometimes trip on the overhang when walking, so I don't care for them. That said, they might work for yo...
by segfault
Sat Jun 30, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9437

Re: Dad Needs Help Buying Wedding Liquor

I can't believe nobody has taken the opportunity to plug Bogle brand wine (no relation to Jack Bogle, AFAIK). :mrgreen:
by segfault
Mon May 14, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 10428

Re: Is there a boglehead muscle car?

I bought a used 2011 Mustang GT Premium with under 30,000 miles on it last summer. That would easily be in your price range. It needed new tires but was otherwise in great condition. It is a weekend car for me--I'll probably put 3,000 miles a year or so on it. The seating position causes my left kne...
by segfault
Sun May 06, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2968

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

Charlie had some amusing words about cryptocurrencies. I thought it was funny when he looked like he was falling asleep while the environmentalist was giving their question/speech. I was actually a bit disappointed Charlie didn't speak up more. I must have missed that. Was it towards the end of the...
by segfault
Sat May 05, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2968

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

I thought it was interesting that while Buffett encourages people to invest in index funds, not all Berkshire companies offer them in their 401(k). I found his comment -- that they let the managers of the businesses make these decisions without interference from HQ -- to be a little disappointing. ...